Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France (CAF) H2 2025 earnings summary

Executive summary

• Revenue (PNB) reached €1,032.4M, up 6.8% year-over-year, driven by strong commercial activity and favorable market conditions.

• Net income group share rose 23.1% to €236.2M, with a cost of risk down 13.2% to €76.4M.

• The consolidated balance sheet grew 4.3% to €79.1B, with loans to customers up €2.4B and customer deposits up €2.8B.

• The solvency ratio (CET1) stood at 22.97%, well above regulatory requirements.

Financial highlights

• Net banking income: €1,032.4M (+6.8% vs. 2024).

• Operating income: €288.8M (+24.3% vs. 2024).

• Net income group share: €236.2M (+23.1% vs. 2024).

• Cost of risk: €76.4M (13 bp of loans, -13.2% vs. 2024).

• Customer loans: €58.1B (+4.3% vs. 2024); customer deposits: €36.1B (+8.5% vs. 2024).

• Equity: €8.95B (+9% vs. 2024).

Outlook and guidance

• 2026 outlook anticipates continued growth, supported by private consumption and business investment.

• Interest rates expected to remain stable short-term, with a slight upward trend for long-term rates.

• The bank will continue to implement its UNIQUES strategic plan, focusing on customer proximity and responsible finance.